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José María Baños is the founding Partner of LETSLAW and a multidisciplinary lawyer specialized in corporate law, procedural law, IT law and e-commerce, Intellectual Property and data protection. Degree in Law at University Complutense of Madrid and Master’s Degree in New Technologies Law at Comillas Pontifical University in Madrid.
Member of the Expert Committee for the Resolution of Domain Conflicts appointed by Adigital. He has the APEP Certification Privacy as a Legal Consultant, which was provided by the Spanish Professional Association of Privacy (APEP).
Likewise, he is member of several associations: DENAE (Spanish Association of Entertainment Law), Italian Chamber of Commerce and Industry for Spain, Swedish Hispanic Chamber of Commerce, and professor of various programs at ICEMD – ESIC and Antonio de Nebrija University.

23 Thursday 11:25 – 11:35 Session I NeobanksMain Keys of the new Directive on Payment Services (PSD2): new players and reinforcement of consumers’ security.
The new European regulation on payment services entails fundamental changes affecting all participants in the Fintech sector: companies, banks and consumers.
PSD2 establishes a regulatory framework for third party payment service providers.
Intensified security in online transactions by strictly authenticating customers’ identity in payments.

Letslaw is an international law firm specialized in Digital Law and all the Commercial Law branches, committed to helping companies to compete in an ever-changing market.
The structure and size of the firm guarantees a personalized service by the partners and main associates according to the client’s strategy and business development.
LETSLAW provides legal security in the digital and technological sectors, as specialists in Digital Law; the Firm advises companies and Startups aimed at enabling the development and providing continuity to its technological business in the field of Fintech.
Likewise, LETSLAW provides all services related to data protection and privacy.